Home Insurance in Tulare, California
The median home value in Tulare is $329,800, close to the Tulare County median.
The typical home in Tulare was built around 1990. About 16% of homes were built before 1960, about 1 point below Tulare County's 18%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Tulare is 83% single-family homes, 7% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 70% of owner-occupied homes in Tulare have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in Tulare are owner-occupied.
Most homes in Tulare - 78% - are primarily heated with natural gas.
FEMA rates Tulare County's overall risk as Relatively High, led by inland flooding (Relatively High). Tulare County had 4,215 active NFIP flood policies as of September 2026. See the full Tulare County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in California carries a statewide average premium of $1,655 per year.
Key figures
| Median home value | $329,800 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Inland Flooding (Relatively High) |
| Active NFIP policies in Tulare County | 4,215 |
| Home insurance premium | $1,655 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)